New NPS, EPF Rules Explained
By: Nikhil Pandey
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10 Jan 2026
In 2025, India revamped retirement planning, making EPF and NPS more flexible, digital, and practical
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NPS exit rules eased: 80% withdrawal allowed, annuity cut to 20%, tax clarity awaited
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NPS subscribers with corpus up to Rs 8 lakh can now withdraw full amount without annuity
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NPS allows exit after 15 years, extended tenure till 85, and 4 partial withdrawals pre-60
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From October 2025, NPS allows non-government subscribers 100% equity allocation, boosting long-term growth.
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EPF 3.0 merges 13 withdrawal reasons into 3, with eligibility after just 12 months' service
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EPF transfers no longer need employer approval if KYC is verified, easing job switch processes
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EPFO now auto-settles EPF claims up to Rs 5 lakh with UMANG app face authentication
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